Dhanlaxmi Bank Ltd. benchmarking: Performance to industry peers

Financial

	Dhanlaxmi Bank	Fino Payments Bank	Suryoday Small Finan
Operational Metrics
Banks
Net Interest Margin	3.43 %	3.77 %	7.3 %
Yield On Advances	9.76 %	n/a	16.8 %
Gross NPA	2.36 %	n/a	n/a
Net NPA	1.11 %	n/a	4.3 %
CASA Ratio	28.13 %	100.0 %	21.2 %
CASA vs Liabilities	24.85 %	41.31 %	16.01 %
Credit Deposit Ratio	78.98 %	0.01 %	89.55 %
Cost To Income Ratio	79.78 %	33.1 %	75.1 %
Fresh Slippages - Quarterly	28.41 Crs	n/a	185.94 Crs
Capital to Risks Assets Ratio (CRAR)	17.19 %	77.2 %	21.9 %
Tier 2 Capital	2.72 %	4.45 %	1.0 %
Tier I Capital	14.47 %	70.05 %	21.0 %
NBFC
Cost of Borrowing	5.73 %	n/a	7.6 %
Financials
5 yr Average ROE	5.93 %	13.9 %	4.71 %
5yr average Equity Multiplier	14.92	5.12	6.16
5yr Average Asset Turnover Ratio	0.08	0.55	0.12
5yr Avg Net Profit Margin	3.98 %	4.59 %	3.54 %
5yr Avg Net Profit Margin	3.98 %	4.59 %	3.14 %
5yr CAGR Net Profit	12.37 %	35.22 %	57.5 %
5yr CAGR Sales	7.18 %	18.48 %	20.56 %
5 yr CAGR PPOP	2.07 %	34.63 %	19.72 %
Price to Book	0.65	1.31	0.69
P/E	10.61	14.85	20.32
Shareholdings
Promoter Holding	0.0	75.0 %	22.44 %
Share Pledged by Promoters	0.0	0.0	13.17 %
Change in Promoter Holding (3 Yrs)	0.0	0.0	-0.86 %
Change in Mutual Fund Holding (3 Yrs)	0.0	-3.5 %	-3.36 %

Business

	Dhanlaxmi Bank	Fino Payments Bank	Suryoday Small Finan
Segment Break-Up	Segment Break-Up Consumer Finance 61.32 Corporate Banking 21.2 Treasury Operations 16.24 Retail Banks 0 Corporate & Wholesale Banking 0 Others 1.24	Segment Break-Up Corporate & Wholesale Banking 0 Consumer Finance 0 Treasury Operations 0 Retail Banks 31.54 Corporate Banking 0 Others 68.46	Segment Break-Up Corporate & Wholesale Banking 0 Consumer Finance 0 Treasury Operations 0 Retail Banks 0 Corporate Banking 0 Others 100
Loan Break-Up	Loan Break-Up Gold 34.1 Corporate 24.74 Retail 23.72 SME 14.35 Agricultural 3.09 Financial Intermediary Group 0 Retail Assets 0 Microfinance 0	-	Loan Break-Up Gold 0 Microfinance 61.2 Financial Intermediary Group 11.3 Corporate 0 SME 0 Retail 0 Agricultural 0 Retail Assets 27.5
Location Wise Break-Up	Location Wise Break-Up India 100.0 East India 0 West India 0 North India 0 South India 0	Location Wise Break-Up East India 0 West India 0 North India 0 India 100.0 South India 0	Location Wise Break-Up East India 0 West India 0 North India 0 India 0 South India 0 Others 100
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 55.32 Treasury 29.35 Corporate/Wholesale Banking 0 Others 15.33	Operating Profit Break-Up Retail Banking 0 Treasury 37.6 Corporate/Wholesale Banking 0 Others 62.4	Operating Profit Break-Up Retail Banking 0 Treasury 20.51 Corporate/Wholesale Banking 0 Others 79.49
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 100.0 Lower Tier II bonds 0 Upper Tier II bonds 0	-	-
Asset Break-Up	Asset Break-Up Others 100	Asset Break-Up Others 100	Asset Break-Up Others 100
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 51.49 Priority Sector 48.51	-	-
NPA Break-Up	NPA Break-Up Services 39.29 Priority Sector 36.22 Personal Loan 20.17 Agricultural 3.12 Industrial & Commercial 1.21 Personal loans 0	-	NPA Break-Up Industrial & Commercial 0 Services 19.31 Personal loans 24.67 Priority Sector 0 Agricultural 0 Personal Loan 0 Others 56.02

Dhanlaxmi Bank Ltd.

Dhanlaxmi Bank Ltd.

Financial

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